Totally get where you’re coming from. I used to skip med pay too, thinking my health insurance was enough. But after a buddy got hit and his health plan refused to cover the ambulance, I started adding it. It’s a small price for peace of mind, honestly.
WHEN DOES PAYING EXTRA FOR MEDICAL COVERAGE ON AUTO POLICIES MAKE SENSE?
I get why med pay feels like a safety net, but I’ve always looked at it a bit differently. My health insurance has a pretty low deductible and covers most emergencies, so I’ve never felt the need to tack on extra coverage through my auto policy. In my case, the added cost just didn’t seem worth it—especially since I rarely drive with passengers and don’t have kids.
There’s also the overlap factor. Sometimes, you end up paying for the same thing twice if your health insurance is solid. I know ambulance bills can be wild, but I’ve seen some policies where med pay only goes so far before your main insurance kicks in anyway. Maybe it’s just me, but I’d rather put that extra money toward lowering my collision deductible or beefing up liability.
That said, if your health plan is spotty or you drive a lot with family, I can see the logic. Guess it really comes down to personal risk tolerance and what gaps you’re comfortable with.
WHEN DOES PAYING EXTRA FOR MEDICAL COVERAGE ON AUTO POLICIES MAKE SENSE?
That’s actually super helpful to hear, since I’m in the middle of figuring out my own policy and keep getting stuck on this exact question. I’ve got decent health insurance too, so I keep wondering if med pay is just overkill. The overlap thing you mentioned makes a lot of sense—feels like insurance companies are always trying to sell you more than you really need. Still, I get a little nervous about those “what if” scenarios, like if I had a friend in the car or something. But yeah, maybe it’s smarter to put that money toward better liability coverage instead. Thanks for laying it out so clearly.
I get where you’re coming from—those “what if” scenarios can really mess with your head. Med pay does overlap with health insurance, but it can kick in faster and cover passengers, which is handy. Honestly, it’s not always overkill, just depends on your risk tolerance and who’s riding with you. I’ve seen folks regret skipping it after a minor fender bender with a friend in the car... but yeah, beefing up liability is smart too. It’s a balancing act.
I used to skip med pay, figuring my health insurance was enough, but after my sister got rear-ended with her kid in the car, I changed my tune. Her health plan had a high deductible, so med pay actually helped cover stuff right away. If you drive people around a lot, or your health insurance isn’t great, it’s worth considering. Otherwise… yeah, sometimes it feels redundant. Just depends on your situation and comfort level with risk.
